SOUTH SIDE COMMUNITY
Charter #24704 · Chicago, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -2.22% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 5.02% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 131.97% sits at the 97th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 94th percentile but its structural peers at the 66th — a 28-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SOUTH SIDE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.38M | 64th pct | 39th pct |
| Members | 1,550 | 94th pct | 66th pct |
| Net worth ratio | 20.52% | 61th pct | 69th pct |
| Return on average assets | -2.22% | 10th pct | 5th pct |
| Net interest margin | 5.02% | 78th pct | 84th pct |
| Cost of funds | 0.42% | 45th pct | 43th pct |
| Loan-to-share | 34.78% | 23th pct | 25th pct |
| Delinquency 60+ days | 2.25% | 70th pct | 67th pct |
| Net charge-off ratio | 0.28% | 78th pct | 70th pct |
| Loan growth YoY | -11.39% | 23th pct | 23th pct |
| Share growth YoY | 1.38% | 59th pct | 52th pct |
| Efficiency ratio | 131.97% | 90th pct | 97th pct |
structural peer set hash: c415e196c72f35260001885bce825412… (reproducible)
Closest structural peers
This is the free public view
Claim SOUTH SIDE COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.